We report to the Credit reference agencies and as long as you keep up to date with your payments, help show you are a creditworthy individual

Improve your chances of obtaining credit in the future

Who can get it?

Total Access Pay Monthly cardholders can sign up for this service which could improve your credit rating. Your credit rating is vital to your financial health and this facility is proven to work!

How do I get it?

Adding Creditbuilder is easy. Login to your account via the Members Area and select the “Creditbuilder” tab on the left and follow the simple instructions.

Once you have done this you will receive a confirmation email from Cashplus and then another welcome email once your Creditbuilder account has been finalised.

Please note that offer availability is based on the account remaining in good standing and meeting APS’ credit criteria

Sounds good…but how does it work?

Our issuer, Advanced Payment Solutions Ltd (APS) who market under the Cashplus brand lends you a full year’s-worth of monthly fees in advance, interest-free.

The “loan” is paid to Advanced Payment Solutions Financial Limited (AFL), so no money changes hands and it’s never available to spend… think of it as a virtual loan.

What you then need to do is ensure you repay the loan with 12 small monthly installments of £9.95 (the monthly fee) and we’ll pass on your payment history to the credit reference agencies after 3 successful months.

By keeping to this agreement and ensuring you make all your monthly payments on time, you have in effect shown that you can manage credit responsibly and assuming you manage any other credit responsibly your credit rating should improve.

At the same time as this, you will be able to use your black icount prepaid MasterCard to make purchases online and in-store as well as ATM withdrawals wherever the MasterCard Acceptance Mark is displayed…. that’s some 32 million locations worldwide!

Is there a catch?

it is imperative to mention that payments must be made on time each month to avoid damaging your credit rating further, as we have to report both on-time and late/missed payments to the credit reference agencies.

To avoid this, make sure that your account always has a balance equal to your monthly fee, of £9.95.

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Contact

Mon-Friday 8am–8pm, Sat 9am-4pm. Calls to 03 numbers cost no more than a national rate call to an 01 or 02 number and will count towards any ‘inclusive minutes’ in the same way as 01 and 02 calls. Calls may be recorded.

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*Subject to terms and conditions. Accounts available to applicants aged 18+ years and being resident in the UK and/or businesses being based in the UK. Accounts are only available to customers whose identification has been verified. The icount card is issued by APS Financial Ltd (AFL) pursuant to licence by MasterCard International Incorporated. AFL is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money. Cards are serviced by Advanced Payment Solutions Ltd (APS) which operates the card on behalf of AFL. AFL & APS registered address is 6th Floor, One London Wall, London EC2Y 5EB. Registered in England and Wales under company numbers 06029941 & 04947027 respectively.

Credit facilities are provided by APS subject to affordability and prepaid account being in good standing. APS is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Registration No. 671140). Creditbuilder (logo) and Debit Protect (logo) are registered trademarks of APS. Creditbuilder is only available on monthly pricing plans. MasterCard, the MasterCard Brand Mark and Tap & Go are registered trademarks of MasterCard International Incorporated. The Post Office® and Post Office symbol are registered trademarks of Post Office Ltd. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. Google Play is a trademark of Google Inc. Data charges from your mobile network provider may apply when using the Cashplus Mobile App. ◊Call charges are 10p per min from BT landlines. Call charges from other networks and from abroad may vary. Calls may be recorded.

The Financial Services Compensation Scheme does not apply, but in accordance with the Electronic Money Regulations 2011, all funds are safeguarded in a separate high street bank account.